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All about Treasury Bills (T-bills)

ocirejgm · 84 · 55214

ocirejgm

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hi guys, it me again, ocirejgm.

Well, ngayon sobrang interested talaga ako sa passive entrepreneurship, so meron ako uling tanong?

Paano ba bumili ng T-bills. yung pang 3 months? Nabasa ko kasi sa isang newpaper na mataas ngayon ang rate ng T-bills, umabot na nga daw ng 5.7% after maturity. So gusto ko sanang subukan. Ang kaso, diko alam kung saan ang kung magkano ang minimum. tulong pls
« Last Edit: Mar 02, 2009, 03:48 PM by FutureGizmo »


cool_78

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alam ko minimum sa t-bills is 100k at available siya at most of your suking commercial banks. Pero take note 5.7% p.a siya ah, that means per anum. Its not big compared to some rates offered by time deposits. Ung Uitf ok kaso this May ang baba.


ocirejgm

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ah ok so yung 5.7% is per annum, hinde per maturity. so kung magmamature  yung T-bill in 3 months, parang 5.7% divided by four, o 1.45 lang kada maturity. Tama ba? So kung meron kang investment na 100k tapos bumili ka ng T-bills na me maturity na 3months, edi kumiya ka lang ng 1 thou and 450 pesos?


maaku

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iba iba depended sa bank pero 100k usually minimum sa t-bills, meron ako nakita sa business section dati na pwede as low as 5k pero di ko na tanda kung saan bank... 


cool_78

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un computation is 100,000.00 x 5.7% x 90 days divided by 360


FutureGizmo

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Landbank ata dati P5k lang ang minimum sa t-bills. Gamit ko ngayon BPITrade, linked dun sa BPI account ko. Madali lang bumili ng t-bills (saka FXTNs, stocks, kahit units of mutual funds) pero P100k nga ang minimum. Pero 2% p.a. ang interest kapag at least P5k ang monthly ADB mo.


nailbiter

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RTBs (retail treasury bonds) ata yung may minimum na P5K.


FutureGizmo

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ah, RTBs pala. dami-dami kasing investment products, nakakalito na silang lahat hehe. hmm nde ko ma-check sa BPITrade ko ngayon, pero nagbebenta ba sila ng T-bills? ang naaalala ko yung RTBs nga ang binibili ko.

anyway baka may nakita kayong magandang source explaining the pros and cons of these different investment products, share nyo naman para maintindihan talaga natin ano ba ang maganda at bagay para sa isang tao. 


cool_78

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If you are a businessman and you cant predict when you will need the money, stick with time deposits. place it every 30 days lang so you will know when you can withdraw your money


ocirejgm

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thanks cool for the info, akala ko kasi yung quoted na percent eh per maturity. so, maliit lang pala talaga yung kikitain ng pera ko kung ilalagay ko lang sa T-bills.

Me isa pa po akog tanung, anu ang mangyayari kapag nagmature na yung IOU mo, kaylngan mo natalagang iwithdraw, o pwede mo pang idelay yung IOU mo? Pede ba itong itrade?


Edit: No need to quote preceding post. -Mod.
« Last Edit: May 20, 2006, 06:39 AM by nailbiter »


shortie

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Yup as cool_78 stated if you're not sure when you will be needing funds best to stick with short term bank deposits (TD or Special Savings account)

Also take note that the Tbill rates nowadays are not very enticing. In fact some banks would give higher than tbill rates for a 30day placement bu of course depending on the amount of placement.

Tbills are considered marketable securities. Yes you can trade it in the secondary market but you normally need a bank or a financial institution to do that on your behalf.  However take note that there is a chance that you would get less than what you paid for. It is always best to hold to maturity these kind of investments so that you minimize market risk.


travs

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mababa lang pala kikitain sa t-bills...buti na lang nakita ko ang thread na to


bert1223

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I have some questions on treasury bills and bonds. I understand that bonds, notes and bills are tradeable depending on their market price. I also understand that their market price depends on current interest rates. My questions are:

1. How do I know what the current interest rate is? Can that be found online somewhere?
2. How do I compute for the price of the bond/note/bill based on the current interest rate?

Thanks!


ffullero

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bump bump  
im interested with the answer as well  :thankyou:  :hello:


foolcha

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there is a benchmark for t-bills/bonds in PDEX www.pdex.com.ph you can usually see it using a bloomberg system or sa businessworld newspaper the price of the bond is computed by computing the present value of all coupon payments plus the principal. i hope that helps.

« Last Edit: Oct 22, 2007, 12:38 PM by foolcha »


jhyannise

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Ganun!!!...hay...sopbrang interesado pa namn ako sa t-bills dati...salamat sa thread na ito...
* share ko lang po...dati naalala ko nung nag-open ako ng savings account sa metrobank...tinanong ko ring yung staff bout sa t-bills...tas tinanong ko kung magkano...sabi ko sa sarili ko if ever na pwede divert ko na lang yung idedeposti ko sa saving account to t-bills...kaso sabi nung staff e...minimum daw ng t-bills ay P500,000...nyahhh! sabi ko sa staff e...sige po open na lang ako ng savings account...hahaha!!!


lailani

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so pano namamarket ang t-bills e di pala ganun ka-attractive na investment yun?   :think:


foolcha

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Usually Big Banks resell Tbills 500,000 minimum but Small banks resell it at only 5,000 however mabilis maubos yun.

Some Banks that offers Tbills

Allied Bank minimum 50,000
Asiatrust minimum 5,000
Plantersbank minimum 5,000  
« Last Edit: Dec 29, 2007, 06:28 AM by foolcha »


josepidal

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@foolcha, can you please educate me about t-bills. how does it work & ano potential as an investment. my apologies, this topic must have posted here somewhere. otherwise, divert me there.


foolcha

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@ josepidal

T-bills/RTB's are short term (less than 1 year) debt instrument issued by the Philipppine Government. It is guaranteed by the government. you buy it discounted from the face value. you can either hold it or you can sell it (capital gains) but usually investors hold it for long term.

It is a good investment to balanced your portfolio from risk-return trade off. however today at current interest rates it is not good to buy t-bills. the best time to buy debt instrument is when there is chaos like what happened in the term of ERAP. if not mistaken  year 2002 is when the government issued a debt instrument giving a coupon payment of more than 20% guaranteed now if you hold it up to now you are guaranteed 20% per annum however if you sold it you make capital gains since you bought it at 20% and the present interest rates as of today for a FXTN 25 years is 8.375% that is a gain of almost 12% gross.


*debt instrument issued by the governement can either be: T-bills/RTBs/FXTN/ROP

I hope that answers your questions.
« Last Edit: Dec 30, 2007, 11:32 AM by foolcha »


lailani

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^ah ok pala yun... were you able to buy and gain through the opportunity you mentioned?


foolcha

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@ lailani

I'm not a fixed income guy (but i have bought some) but my friends are fixed income experts since we work closely with the treasury department.
« Last Edit: Dec 31, 2007, 01:13 AM by foolcha »


josepidal

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hmm...so chaos pala ang solution dito!

correct me if i'm wrong, as an OFW, i just feel that we're better off when peso is depreciating rather than when it's getting stronger. sabi nga namin dito, sana lagi magulo sa pinas para bumagsak ang piso para malaki ang palitan coz we're sending foreign currency.

if there are benefitting from this peso strength, it's not the masses. why? look like at the price commodities, ganun pa rin. why? well based on what i heard, ang presyo daw ng bilihin eh based on oil price which explains this. so far, isa lang nadinig ko good news sa paglakas ng piso, that is bumaba na daw ang utang ng pinas coz calculated daw kasi sa dollars yun. other than that, wala na ako maisip...esp sa mga karaniwang pinoys like me.

ganun lang ang simpleng opinyon ko dahil hindi ko lubos na malirip ang masalimuot na mga bagay na ito.

now back to t-bills, so i guess set aside ko muna siya sa investment portfolio list ko. thanks for the advise.



josepidal

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korek! in principle, dapat nga ganun diba. any expert here who could explain the commodity price anatomy? ano-ano bang mga factors involved sa fluctuation nito?
« Last Edit: Feb 21, 2008, 07:13 PM by josepidal »


joss

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sa pnb ok ang tbills,  lets say 100K 365 days maturity rate is lets say 7% .  lets say may cash ka dala na 100K... at binili mo ang t bills na yan, pag labas mo sa bangko may 100K ka na tbills na mag ma mature in 365 days at may cash ka na atlest 6,000 pesos...pwede mo na gastosin yun or ibili ng stock at garantisado yung 100k mo babalik sa iyo after 365 days, parang mas ok ito kaysa time  deposit sa palagay ko. di ka ma overtakan ng inflation hehehe
ang kukunin na cash sa iyo ay 100k-7k (ito yung rate na 7%)+1000(tax) = 94,000 ang ibabayad mo  yung  6000 pesos  yun na kita ng 100k mo after 365 days, hawak mo na...
bilis ano?



mikedg

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RTB's are not that attractive right now because of high inflation. Banks give you 2% p.a. or 4 or 5%, and the inflation....12%++ Our money is losing its value over time, unless banks gives us 14-15% per annum interest. How I wish they can give that.  :D

I have encountered an investment on Land Banking that doubles the investment in 4-6 years.



monmon

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sa pnb ok ang tbills,  lets say 100K 365 days maturity rate is lets say 7% .  lets say may cash ka dala na 100K... at binili mo ang t bills na yan, pag labas mo sa bangko may 100K ka na tbills na mag ma mature in 365 days at may cash ka na atlest 6,000 pesos...pwede mo na gastosin yun or ibili ng stock at garantisado yung 100k mo babalik sa iyo after 365 days, parang mas ok ito kaysa time  deposit sa palagay ko. di ka ma overtakan ng inflation hehehe
ang kukunin na cash sa iyo ay 100k-7k (ito yung rate na 7%)+1000(tax) = 94,000 ang ibabayad mo  yung  6000 pesos  yun na kita ng 100k mo after 365 days, hawak mo na...
bilis ano?

what branch of PNB did you transact? Is this available on all branches? Is it still ongoig?


joss

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pare sa pnb shangrila ako bumibili jan sa crossing.  pwede mo rin tawagan sa phone... sa ofw ko napulot ang trick na ito nakasabay ko minsan sa banko hehehe.. may list sila bahala ka pumili kung ano gusto mo na kaya mo bilhin.. palagay ko sa ibang PNB meron din .


r00tcipher

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me bago bang offering ng tbills at tbonds na panalo sa kita? sang bank?


cecillionaire

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tanong lang with the recession happening around ok pa ba magpurchase ng t-bills? at saka vailable pa rin ba yung retail t-bills? saan bangko naman? thanks


Jay2X

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cecillionaire, meron sa bpi and metrobank ang tinatawag na special deposit account (SDA) fixed interest rate na 4.7 to 5%, Non Risk ito ang mas higher sa time deposit. ang maturity niya is every 30 to 35 days only. and renewable every maturity.


cecillionaire

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cecillionaire, meron sa bpi and metrobank ang tinatawag na special deposit account (SDA) fixed interest rate na 4.7 to 5%, Non Risk ito ang mas higher sa time deposit. ang maturity niya is every 30 to 35 days only. and renewable every maturity.


Thanks Jayjay. Magkano kaya ang ang initial na deposit for it?


workoshore

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cecillionaire

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sa bpi pwedi 100k, sa ibang banko 500k... :scratch:
cheers... :cool2:


WHAT?! wala bang retail nun some kind of like 10k or 100k on installment basis? makapagback read nga ulit  :D


workoshore

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^sencya na po, SDA for kasi yan (as noted by jay2x), sa retail tb, meron po mas mababa, I think 5k pwedi na... :applause:
cheers... :cool2:





junSilva

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Hello people,

Question:

Yung increments ba niya 100k/500k din?  Or once na ma-reach mo yung 100k minimum pwede ka magincrement ng kahit tig 10k lang every time mag renew ka pag maturity?

Plano ko kasi subukan mag-tbills pero cguro yung mga 90 days lang.  Tapos kapag magrenew ako, gusto ko dagdagan siya kaso di ko alam kung pwede 10k lang every maturity yung dagdag.  So yung next ko gusto ko 110k na, tapos 120, etc.  pwede ba yun?


ellamaed0228

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Hello everyone.  Just like to ask po, since we're currently our of the country, is there a way for OFWs like us to invest in Tbills online?  I've read somewhere that we can do thru BPI Trade...how does this thing work?

Thanks :)


moishi

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Hi Guy!

I'm just a newbie here sa PMT.

Regarding T-bills, I just read a news article today galing sa Philippine Star stating that the National Government will be offering T-bills and treasury bonds early next year. These are the dates: January 14, January 28, February 11, February 25, March 11 and March 25. The total amount yata is 92 billion pesos. T-bills maturity are 90 days, 180 days and 364 days. For treasury bonds: 3 yrs, 5 yrs, 7 yrs and 10 years.

I just ask kanina sa isang client ko na former employee sa isang bank that puwedeng magpa-reserve sa bangko. I'm not sure pero pa-confirm naman please... Hindi ko magawa ngayong day kasi walang bukas na bangko ngayon.

 


joss

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t bills kasi maganda pang preserve ng mga g kinita mo pera like savings or gains sa mga investments  pero kung kita sa t bills aasahan mo parang mali ang deskarte.


foolcha

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Hello people,

Question:

Yung increments ba niya 100k/500k din?  Or once na ma-reach mo yung 100k minimum pwede ka magincrement ng kahit tig 10k lang every time mag renew ka pag maturity?

Plano ko kasi subukan mag-tbills pero cguro yung mga 90 days lang.  Tapos kapag magrenew ako, gusto ko dagdagan siya kaso di ko alam kung pwede 10k lang every maturity yung dagdag.  So yung next ko gusto ko 110k na, tapos 120, etc.  pwede ba yun?


It depends on where you are buying your T-bills.

Hi Guy!

I'm just a newbie here sa PMT.

Regarding T-bills, I just read a news article today galing sa Philippine Star stating that the National Government will be offering T-bills and treasury bonds early next year. These are the dates: January 14, January 28, February 11, February 25, March 11 and March 25. The total amount yata is 92 billion pesos. T-bills maturity are 90 days, 180 days and 364 days. For treasury bonds: 3 yrs, 5 yrs, 7 yrs and 10 years.

I just ask kanina sa isang client ko na former employee sa isang bank that puwedeng magpa-reserve sa bangko. I'm not sure pero pa-confirm naman please... Hindi ko magawa ngayong day kasi walang bukas na bangko ngayon.

 


No, that is not possible unless you are a big financial institution.


junSilva

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thanks foolcha.

pero may standard/average ba sila na increments?  yung tipong kung bdo,pnb, o ibang medyo malaking bangko malamang 50k yung increment niya o talagang walang pwedeng gawin basehan?  


dwin

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Tanong ko lang, pag sinabi ba na "auction", ibig bang sabihin mga big players lang, like banks, ang pwedeng bumili ng T-bills or T-bonds? And then, after the auction, saka pa lang pwedeng mag-avail tayo thru the said banks?


kuyabinid

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meron po bang list ng mga banks at ang mga presyo (if that's the right word) ng mga t-bills nila? :D


workoshore

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wintan2006

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           the problem with making loans when rates are low is paano na pag tumaas uli ang rate at inde makabayad ang mga tao dahil wala na sa budget?matanong ko lang po,fixed ba ang rate pag nag loan sa bank?dito sa Taiwan kasi 2 yrs fixed tapos sasabay na sya sa prevailing rate ng bansa.diba yan din nangyari kaya nagkaloko loko ang mga banks sa US kasi inde na makabayad ang tao dahil tumaas ang rates?Ingat rin po sa pagutang.



bauer

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buy businessworld newspaper every monday.  there is a section in the paper that enumerates all transactions for t-bills, corpo bonds, other fixed notes. check it out.



pauland

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Sirs/Ma'ams,

Would like to ask the experts if it is advisable to invest in T-bills now (1-year term)? As i have back read from this thread, T-bills nowadays are still in the deep. However, i'd like to put my money where it can earn more than 1% pa - savings account. Do you have any suggestions sirs/ma'ams?

thank you in advance!


madoff

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Just wait for the RTBs, sabi nila mga June or July, last year 8-8.5% ito


Bp22estafa

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Just wait for the RTBs, sabi nila mga June or July, last year 8-8.5% ito


Sir, what's the minimum for the rtbs?



prodlinetrading

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it means P100k will earn P1425 minus tax in 3 mos. pwede na ito sa tulog na pera

un computation is 100,000.00 x 5.7% x 90 days divided by 360
:D



dreamer2010

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Any news about Tbills and RTBs? Pa update naman po?




kiplinger

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hmmm..maybe that's why my banker told me to hold off buying longer tenors and to put my money in SDAs first...you think? :watchuthink:


kelly

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question lang po: di ba yung tbills bought at a discount kasi wla syang coupon, tapos yung discount ay subject sa 20% final withholding tax, so bale yung buyer ang nagbabayad ng tax?

pano po yung tax na yun, nare-remit po ba yun sa bir ng seller?


kelly

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isa pa pong tanong:  pano po ba compute yung tax on discount sa treasury note purchase?

example po: face value 100,000,000
principal 99,384,655.50
net accrued interest 375,833.33
settlement amount 101,007,730.52

di po ba may discount yan? pano po compute yung discount and tax ng discount?  thanks.


dreamer2010

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oca1101uk

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  • bpc85: Hi guys, im new here,.
    Sep 27, 2019, 12:52 PM
  • Anaperdi: Hi just want to know if meron dito who is into boundary hulog ng motorcycle? For mga riders ng courier. Pwede ba magpashare how it works? Naisip ko lang baka pwede ko ibusiness, meron na pala mga posts online pero di pa clear ang system sa akin. thank  you sa makakapansin
    Sep 21, 2019, 11:32 AM
  • Anaperdi: Hi newbie here..
    Sep 21, 2019, 11:19 AM
  • jprios: May contact ba kayo kung sakali?
    Sep 18, 2019, 06:11 PM
  • jprios: Sino pwedeng mahiraman dito?
    Sep 18, 2019, 06:09 PM
  • kfg52: Present!
    Sep 15, 2019, 07:26 PM
  • juju31: san po ba may nag papahiram dito
    Sep 14, 2019, 07:18 PM
  • juju31: hello
    Sep 14, 2019, 07:18 PM
  • FutureGizmo: Thanks julz! Medyo ganun nga trabaho namin ngayon, to monitor spam posts kasi ang daming spam bots. But thanks for reporting. Auto-ban agad ang spammers sa amin haha
    Sep 07, 2019, 12:17 PM
  • julz: @FutureGizmo si @nikkikv18 just posted more than 10 posts about porn sites. hay, spam.
    Sep 03, 2019, 01:05 PM
  • Cid_brent: sino po dyan pwede magbigay send ng paypal funds and I will pay you using gcash?
    Aug 25, 2019, 08:58 PM
  • Meghan91811: Sino po may alam about Rice Farming...
    Aug 25, 2019, 07:44 AM
  • roselove: hello po sa inyo... newbie here
    Aug 06, 2019, 03:31 PM
  • Niel Jhacoubs: Sino palaging active dito?
    Jul 30, 2019, 04:15 PM
  • dagocjasonrey: Anong update dito?
    Jul 22, 2019, 08:49 PM
  • mark_Lee: anong bago dito
    Jun 28, 2019, 01:03 AM
  • mark_Lee: balita
    Jun 28, 2019, 01:03 AM
  • Lovelyprincess72: hi everyone , I'm newbie here
    Jun 27, 2019, 02:36 PM
  • Niel Jhacoubs: Musta?
    Jun 26, 2019, 01:43 PM
  • Forexanalysis: Hello
    Jun 25, 2019, 06:33 PM
  • Niel Jhacoubs: Hello sa mga online jan! :)
    Jun 15, 2019, 02:58 PM
  • oragon: :applause:
    May 20, 2019, 03:53 PM